Congrats to you. Owning your own home is a great feeling. A bit of old man advice for you. . . DO NOT spend all that you can on your mortgage. Home ownership is only fun if you've actually got some money left at the end of the month. You may be tempted to borrow all that the lender will offer you--but don't do it You'll need money left over for repairs, renovation, and your life. Buying carpeting and paint is fun and cheap. Buying a new roof or furnace is neither fun nor cheap. So make sure that the house is sound, even if it is ugly. School districts matter. Even if you don't have kids, the value of the house is often affected by the perceived quality of its school district. Now on to your questions: How do you go about finding a lender? Do you just go from bank to bank checking what the best rates will be? Bankrate.com will give you a pretty good indication of what the rates are. You can apply for a loan online, or you can go to a local bank or lender at least knowing what their competitors are offering. Sometimes a bank will sweeten the deal with other financial products (preferred checking, safe deposit box) to entice you. Once pre-approved, how long until you have to close? In the past, we've had 45-day windows, 60-day windows. . .it's usually up to each bank. Generally, you "lock in" certain rates, and if you can't close within the pre-determined window, then you get a new rate, either higher or lower. Can I find out how much a lender will give us without being officially pre-approved? Yes, a lender should tell you that. You may have to submit an application fee that may be waived if you take the loan with the lender. How do you go about finding a real estate agent? Pick someone you like. Whoever you pick will be your "buyer's agent", who then splits the sales commission with the seller's agent. What is the minimum amount of time that it will take once we get pre-approved to the time we close? The last house we bought I think it took around 30 days. There can be lots of steps in the whole process. Hiring a home inspector, scheduling the inspection. Having the house inspected by a representative of the lender, doing a title search, doing any remediation of stuff that your home inspector finds, coordinating a moveout with the current owner (buying a vacant house is usually quicker). For a first-timer, that's really where the buyer's agent earns his/her money. . .walking you through all of that. The process is largely regulated by laws that establish timetables on how long stuff can take. I'm sure there are others on this board who are in the lending trade, or in real estate, and they may agree or disagree with me. I'm just giving you info based on my experiences buying and selling my own homes over the past 20 years. . . Good Luck!